Recently, I was glad I used the right card to book an airbnb which we had to cancel day of check-in. Full refund on a non-refundable airbnb.
A few months ago, they monkeyed with our departure time, and we correctly concluded that it would end up missing the connecting flight. The booking agent couldn't give us anything but time-bomb vouchers, but I got cash by emailing customer support. I used the federal wording for "elected not to travel" and "substantially different itinerary," which may have helped me not have any issues.
Even during COVID?
Post COVID you have everyone and their mom trying to make up for 2 years of missed vacations and being stuck at home. And they're angry as hell - the post COVID population seems wreckless and short fused, for reasons I don't exactly know.